Find out which credit cards offer the best perks by using this tool

Let’s be honest, we all have that one credit card from high school when our parents signed us on as secondary cardholders, and many of us haven’t bothered to apply for a new one since.

As grown adults, there’s a time when it just doesn’t make sense that we are charging hundreds on our credits cards with barely any reward or worse yet, rewards we don’t even use. The key is to find a credit card that works with your lifestyle and spending habits so you reap in all of the sweet credit card perks.

With so many options on the market, how do you know which credit card offers the best perks for you?

We get it. Between the Raptors celebrations, music festival and outdoor patio socials, we are all strapped for time and no one wants to sit in front of their computer to research credit cards.

(But really, this is what we needed to be taught in high school. Oh well.)

Luckily there are sites like RateSupermarket.ca, which compares personal finance products like credit cards to help cut through all the noise.

RateSupermarket.ca allows you to (for free) compare the most competitive credit cards on the market in one place so you are sure to find the perfect match. What’s more, they offer exclusive credit card offers so you can get the most value for your money. If you’re a deal-hunter, this site is definitely for you.

Many of you probably aren’t sold yet. You say, “I have to enter what I’m looking for and figure out the best card from a list of results?”

Here’s some good news if you want to skip searching and jump straight to applying for the card of your choice. For the eighth straight year, RateSupermarket.ca analyzed dozens of credit cards in 15 categories using their Best of Finance methodology to determine the top credit cards.

Are you a travel bug on the hunt for your next Instagram-worthy adventure? The CIBC Aventura® Visa Infinite^TM credit card is the one you’re after if you’re looking to get the best essential travel perks, including travel credit, access to airport lounges, and travel insurance.

Maybe you’re a foodie who enjoys the food scene both in and out of the home. The American Express Cobalt^TM Credit Card is the one for you, with the highest earning rate in grocery stores, restaurants, bars, and food delivery.

For those of you who need help saving for that new smartphone, The Scotia Momentum® Visa Infinite* Card’s got your back, full of features to help fill up that piggy bank quickly.

Other main categories and winners include:

• Best Rewards Card with No Fee: RBC® Cash Back MasterCard
• Best Card for Carrying a Balance: National Bank Syncro Mastercard®
• Best Card for Balance Transfers: MBNA True Line® Mastercard®
• Best Card for Building Credit: Home Trust Secured Visa Card
• Best Card for Gas Rewards: Scotia Momentum®VISA Infinite card
• Best Store Card: President’s Choice Financial® World Elite Mastercard®
• Fan Favourite Credit Card: President’s Choice Financial® Mastercard®
• Best Pre-Paid Card: KOHO Prepaid Visa Card

Whether you’re in the market for a new credit card or just simply want to compare how your current card stacks up next to Canada’s top credit cards, RateSupermarket.ca’s comparison tool is a major time and effort-saver, so you can get on with living your life and start saving for your next purchase — whatever it may be.